What can you afford in Swansea?
2,308 homes changed hands in Swansea over the last 12 months (Jul 2025 – Jun 2026). Half sold for £200,000 or less, a quarter for under £146,000, and three quarters for under £285,000. Buying the median home with a 10% deposit needs roughly a £40,000 salary at the typical 4.5× lending multiple , see what £40,000 takes home.
Affordability in one number: the median home here sold for 5.5× the local median full-time salary of £36,586 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Swansea
£200,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £146,000
- Three quarters under
- £285,000
- Sales
- 2,308
- HPI average
- £206,087
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 2,308 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 15% |
| £35,000 | £175,000 | 38.8% |
| £50,000 | £250,000 | 66.7% |
| £75,000 | £375,000 | 87.1% |
| £100,000 | £500,000 | 95% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £124,500 · 198 | ≈£24,900 |
| Terraced house | £155,000 · 767 | ≈£31,000 |
| Semi-detached house | £208,000 · 767 | ≈£41,600 |
| Detached house | £345,000 · 576 | ≈£69,000 |
For context, the UK House Price Index puts Swansea average prices up 1.1% over 12 months.
Nearby in the index
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.